還記得過(guò)去那些美好的日子么？那時(shí)，在校園里，只要填張表格，簽上姓名就可以得到一張炫酷信用卡，還能獲贈(zèng)一大堆禮物。但現(xiàn)在，這種好事就要一去不復(fù)返了。不久前，由于還款問(wèn)題，國(guó)內(nèi)大部分商業(yè)銀行開(kāi)始停辦大學(xué)生信用卡。事實(shí)上，早在銀行做出該決定前，信用卡還款問(wèn)題就一直存在。 REMEMBER the good old days, back when you just filled out a form, signed your name, and got a cool credit card and a bunch of gifts right there on campus? Well, don't expect that to happen again anytime soon. Recently, China's major commercial banks stopped handing out credit cards to college students because of payment problems. In fact those problems with credit cards are a phenomenon that existed long before the banks recent decision.

    去年，武漢大學(xué)經(jīng)濟(jì)學(xué)專業(yè)的鄭濤（22歲）,從4名校園推銷員處各辦理了1張信用卡，每張卡的透支額度是2000-3000元/月，整個(gè)辦卡過(guò)程才花了不到2小時(shí)。 Zheng Tao, 22, an economics major at Wuhan University, got four credit cards from four different campus sales reps in less than two hours last year, each with a 2,000-3,000-yuan overdraft per month.

    在剛辦完信用卡后的幾個(gè)月里，鄭濤瘋狂購(gòu)物、下館子吃飯，絲毫不擔(dān)心手頭沒(méi)錢。由于靠刷卡付帳，他發(fā)現(xiàn)自己的生活水平得到了很大提升。然而不久后，某一天下午，他算了算自己的信用卡債務(wù)總額--9000元左右的數(shù)字令他目瞪口呆。當(dāng)時(shí)，他的銀行賬戶里僅有不到2000元。萬(wàn)般無(wú)奈之下，在卡債到期的前一天，鄭濤撥通了媽媽的電話。還清債務(wù)后，他便注銷了信用卡。 For the first several months, Zheng bought things and meals with no worries about being short of cash. He found his "living standard improved a lot" by running the cards through a machine. Then, one ordinary afternoon, he calculated his debt and the amount - around 9,000 yuan - stunned him. His bank account had less than 2,000 yuan in it. Just a day before his card payment was due, he dialed his mom's number. Right after that, he paid off the debt - and cancelled the credit card.

    鄭濤感慨說(shuō)，使用信用卡最大的危險(xiǎn)在于--刷卡人通常意識(shí)不到自己在花錢。"如果是親手拿著這么一大筆現(xiàn)金，我一定要考慮再三才會(huì)花出去。但是，有了信用卡就不一樣了，花300元吃頓飯和花2塊錢坐公共汽車好像沒(méi)什么不同。"決定把卡注銷后，鄭濤如此說(shuō)。 Zheng says that the most dangerous thing about a credit card is that a person isn't always aware of the fact that he's spending money. "If I had that much cash in my hand, I'd think twice before handing it over to someone else. But, with a card, it seems like there's no difference between using a card to pay 2 yuan on a bus or paying 300 yuan for a meal," Zheng said, after he decided to give up the card.

    除了錢，學(xué)生們還很容易忽略另外一樣?xùn)|西--信譽(yù)，而這對(duì)他們的前途更為至關(guān)重要。 Apart from the money, there's another thing students can easily lose by being "unaware", something that's even more critical to their future - credibility.

    比如說(shuō)，23歲的李素娟是人民大學(xué)新聞專業(yè)的學(xué)生。她經(jīng)常等到最后關(guān)頭才還款。這樣做的原因倒不是因?yàn)槿卞X，而是她總會(huì)忘了這碼事。 Li Sujuan, 23, a journalism major at Renmin University, for example, always waits until the last minute to pay off the debt, not because she doesn't have money, but simply because she "keeps forgetting".

    對(duì)此，北京銀行個(gè)人理財(cái)顧問(wèn)何榮表示，學(xué)生們不準(zhǔn)時(shí)還款并不是因?yàn)樗麄冞�不起，而是因?yàn)椴簧朴诠芾碜约旱馁~戶。 In commenting on this, He Rong, a personal finance manager at a Beijing bank, says that the reason students don't pay the money on time is not that they can't but because they don't manage their account well.

    她說(shuō)："學(xué)生們懶得為日常生活做預(yù)算，而且大多數(shù)人根本就沒(méi)有意識(shí)到信用卡消費(fèi)是種借款行為。對(duì)他們而言，信用卡更像是個(gè)銀行賬戶，里面的錢就是用來(lái)花的。 "她希望學(xué)生們明白：如果因?yàn)檫�款不及時(shí)而留下不良記錄，他們的個(gè)人信用度將會(huì)因此受損，嚴(yán)重的話甚至還會(huì)對(duì)將來(lái)貸款、保險(xiǎn)或就業(yè)造成障礙。 "Students hardly bother to make a budget for their daily lives, and many don't see the credit card as a kind of money borrowed from others. It's more like a bank account and it's theirs to spend," she said. She says that students should be more aware of the fact that, if they get a bad record for falling behind on their payments, their credit record will suffer, and may even cause future problems with loans, insurance, even jobs.

    但反過(guò)來(lái)講，每件事都有兩面性，這回自然也不例外：經(jīng)此一事，學(xué)生們可以學(xué)會(huì)如何管理使用信用卡。 But every story has two sides, including this one: some students actually learn how to manage their credit card use.

    例如這位：楊盛，22歲，就讀于深圳大學(xué)市場(chǎng)營(yíng)銷專業(yè)。每個(gè)月父母給他1000元生活費(fèi)，而他只花一半。通常他在免息階段就把債務(wù)還清了，他說(shuō)："這樣一來(lái)我就不用付額外的費(fèi)用了". Yang Sheng, 22, a marketing major at Shenzhen University, is one of them. He only spends about 50 percent of his monthly funds from his parents, which is about 1,000 yuan. And he pays off the debt during the interest-free period, "so that I don't pay extra for my purchases" .

    與此同時(shí)，前文中提到的鄭濤已經(jīng)恢復(fù)了老樣子--用現(xiàn)金消費(fèi)。如今，他花錢變得比以前更加理性了。 Meanwhile, the cardless Zheng is getting back to the old way of doing things with cash and now finds his spending becoming more rational.

    理財(cái)小竅門 Money management tips

    1. 制作每月預(yù)算，更清晰地了解自己的財(cái)務(wù)狀況 1. Make a monthly budget to get a clear picture of your finances

    2. 根據(jù)每月預(yù)算選擇適當(dāng)?shù)男庞妙~度 2. Choose a credit limit that fits your monthly budget

    3. 在寬限期內(nèi)將錢還清 3. Pay off your money debt during the grace period

    4. 看看你的錢包里是否有張"睡眠卡"--很少使用卻還在付年費(fèi)的卡。如果你根本不用那張卡，就退還給銀行吧。 4. Make sure you don't have a sleeper card, one you hardly use but still pay an annual fee for, in your wallet. If you don't use the card at all, give it back to the bank.